Where present, Court Information remains on your credit report for six years from the date of the judgment, whether satisfied or not. It is one of the several types of adverse credit information which will severely affect the ability to get credit, reducing credit scores and ratings significantly.

As a generic term, Court Information relates to all types of money judgments and sometimes also insolvencies which appear on your credit report.

Q: How does it affect my credit file?

A: Court information counts as ‘public information’ on your credit report, which can be seen by landlords and employers that carry out enquiry searches, as well as any potential lenders. Even if the person viewing your Credit Report cannot see any of your credit history, which is true of landlords and employers, seeing a court judgment on a credit file is indicative of potentially serious money problems.

Q: What court information can I see on my credit file?

A: Your checkmyfile credit report will show you the dates of any judgments issued, whether it is active or satisfied, the type and amount of the judgment issued, whether the judgment was disputed, how long before the judgment is removed and which Credit Reference Agencies are reporting the information.

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checkmyfile is a trade mark and is a trading name of Credit Reporting Agency Limited (Registered number 3719598). Credit Reporting Agency Limited is authorised and regulated by the Financial Conduct Authority (firm reference 690175). Credit Reporting Agency Limited is a Credit Reference Agency notified with the Office of the Information Commissioner, registration number Z6636832. Our VAT number is GB 738 731 215. Credit Reporting Agency Limited is registered in England and has its registered office at Trevithick House, Trevissome Park, Truro, TR4 8UN.

Monthly fee of £14.99 applies after your free 30-day trial. You may cancel at any time without charge by Freephone, Secure Message, email or online. The free 30-day trial applies only to new customers aged 18 years or more who are living in the UK. The 30-day free trial period starts when you register. If we are unable to verify your identity online when you register, we may ask you to provide information to us which may delay access to your Credit Report.

* The data we obtain from the four Credit Reference Agencies, which we use to build your checkmyfile Credit Report, differs in depth. We obtain all available data from Callcredit, Crediva and Equifax. Experian provides us with the data they report to lenders with the exception of the credit history data that lenders provide to them, which lenders also provide to Callcredit, Equifax or to both in the vast majority of cases; and also with the exception of Cifas fraud data, which is supplied to Experian in the same format to Callcredit and Equifax, and which we also show on your checkmyfile Credit Report. We present all of this data in the same format so you can more easily compare the differences between agencies, spot errors and, by using the common yardstick of your checkmyfile Credit Scores, you can also see how your creditworthiness differs, depending on which Credit Reference Agency is searched by a prospective lender.